Kaelo Xelus Gap Cover – Waiting Periods

Kaelo Xelus, like all gap covers, applies waiting periods under certain conditions. They are listed below. You can also view the full policy document, or read about the exclusions on this policy. Kaelo Xelus shall apply Waiting Periods to the cover of an Insured as outlined below: ...

Kaelo Xelus Gap Cover – Exclusions

All gap covers have extensive exclusions, with which you should familiarise yourself. Kaelo's are listed below. You can also view the full policy document here, or read about the waiting periods. Xelus or the Underwriter shall not be liable for any claim caused by or related to, whether such cause...

Fusion Gap Cover – 2018 Benefits and Premiums

About Kaelo Xelus offers a gap cover product, Fusion Gap, that we feel has excellent benefits and is well priced. Please read "How gap covers work" if you are unfamiliar with gap products. You can download the application here. The benefits of Fusion Gap product are included with each 2018...
How do gap covers work

How do gap covers work?

Paying for shortfalls If you have an in-hospital procedure, very often you will have to pay for services out of pocket, even if you have medical aid. This can be because: Your doctors charge more than your medical aid has agreed to pay them ...
Medical Aid costs

How day-to-day benefits work (savings, threshold, etc)

Savings With plans that have a savings facility, you get an annual allowance, known as your savings account. It is funded by a portion of your premiums over the year, although the full amount is available to you in January. There is no financial advantage to a savings account, since...

How to use this site

We know the medical aid industry is complicated, and the information presented on this site can be overwhelming. Hopefully this page will be a good starting block to help you find your perfect cover. What rehealth.co.za does and does not do We list and compare all benefits for all open medical...

All about PMBs, and how schemes have to pay for them

PMBs are 270 conditions that schemes have to cover without requiring co-payments or savings from you, even if the treatment is provided out-of-hospital. This applies to every plan.
Managed Programs

List of PMB conditions and their prescribed treatment

Below is a list of the Categories (Diagnosis and Treatment Pairs) constituting the Prescribed Minimum Benefits (PMB) Package under Section 29(1)(o) of the Medical Schemes Act (listed by Organ-System chapter). IMPORTANT: For an explanation of general treatments (example: "Medical Management") please click here NOS means "not otherwise specified". BRAIN AND NERVOUS...

How medical aids work

A brief introduction to how medical aids work, the different types of plans, and their obligation to cover out-of-hospital expenses for certain conditions, regardless of plan type.

MEDICAL AID 101